Everywhere people are keen on securing adequate medical cover yet around 40 percent of them ignore the necessity of a dental insurance plan. Having a dental insurance has several benefits because dental problems are fairly unpredictable. The current lifestyle and bad eating habits have exposed today’s generation to a wide range of dental or oral diseases. And sooner or later, almost everyone requires some kind of dental care and treatment.
Another strong factor that underlines the significance of having a dental insurance is that dental treatments are highly expensive. Once you encounter a dental problem you will need several visits to your dentist before you can get your problem completely solved. And reputed dentists charge heavily for each visit. Dental treatments do not progress so easily like other treatments. Dentists alter their treatment modalities depending on how quickly or slowly a patient’s teeth respond to the measures taken. This further extends the process and consequently increases the cost. So the point is dental care can cost you more than you can ever imagine. Hence having a dental insurance is as important as having a medical insurance or even more. A fairly healthy person who takes good care of his health and diet might not need a medical insurance throughout his life but dental problems can crop up at anytime for anyone irrespective of the level of prevention maintained. Even accidents cause dental issues like chipped or broken tooth. And such issues can cost you several thousands for getting treated.
Another reason that can surely encourage you to take a dental insurance is that it comes at a very reasonable amount of premiums. There are even insurance plans that take premiums as low as 5 dollars a month. The cost of the plan largely depends on your age. The earlier you apply for an insurance plan, the cheaper will be the total cost involved. Dental insurances are granted for everyone and many of the companies do not even demand for a dental examination. You can customize your plan depending on your comfort levels.
Dental plans are often quite affordable compared to other health plans, although, there are certain limitations when it comes to the issue of coverage. There are certain dental treatments that are not covered under dental plans. Dental implants and cosmetic dentistry are the two major issues that are not offered any sort of cover. Dental implants deal with placement of artificial tooth and cosmetic dentistry is all about fixing smiles. However, there are no regular insurance plans that cover these procedures. But apart from these, there are comprehensive plans that cover a host of problems like cavities and tooth decay, root canal, restorations etc. Insurance also covers emergency cases but dental injuries from a sports accident are not included in this.
The extent of the treatment cost covered depends upon the nature of the plan. However, generally only up to 75 percent of the expenses are recoverable under majority of the plans. Also, there are limitations regarding the maximum claim amount receivable per year.
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